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626 Gairloch Pl, Bel Air, MD, 21015

4beds
3baths
1,810sqft
$360,000
$199price/sqft
$2,528/moest. monthly cost
$101,120/yrincome needed

About This Home

New price! Welcome to 626 Gairloch Place! This beautifully updated 4-bedroom, 2.5-bath end-of-group townhome offers privacy, modern finishes, and a peaceful setting backing to woods. The spacious primary suite features a private en-suite bath, creating the perfect retreat. The renovated kitchen showcases new cabinetry, granite countertops, and stainless steel appliances, while the home also features new luxury vinyl plank flooring, new carpet, fresh paint throughout, and new recessed lighting, making it completely move-in ready. Major improvements provide peace of mind, including a new roof (2022), vinyl siding and front porch (2023), upgraded deck (2023), HVAC system (2024), and water heater (2025). Enjoy outdoor living on the updated deck overlooking the wooded backdrop. Conveniently located near schools, shopping, restaurants, parks, and major commuter routes, this home combines comfort, style, and an ideal location. Don't miss this exceptional opportunity to own a beautifully updated end-of-group townhome! Natural gas hook up available.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

8/10
7/10

Construction

Condition

  • Property condition: Excellent
  • Year built: 1987

Materials

  • Foundation: Concrete Perimeter
  • Roof: Architectural Shingle
  • Construction materials: Vinyl Siding

Notable Dates

  • Major remodel year: 2026

Type & Style

  • Home type: Townhouse
  • Architectural style: Colonial
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Oven/Range - Electric,Refrigerator,Washer,Water Heater,Stainless Steel Appliance(s),Cooktop,Self Cleaning Oven,Ice Maker,Exhaust Fan,Dryer,Disposal,Electric Water Heater
  • Laundry features: In Basement,Lower Level,Has Laundry,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Rear Entrance,Shelving,Walk-Out Access,Windows,Connecting Stairway,Partial,Full,Partially Finished,Exterior Entry,Space For Rooms

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Level: Main

Family Room

  • Level: Lower

Features

  • Combination Kitchen/Dining,Primary Bath(s),Upgraded Countertops,Recessed Lighting,Pantry,Kitchen - Table Space,Eat-in Kitchen,Floor Plan - Traditional,Dining Area,Ceiling Fan(s),Bathroom - Tub Shower,Attic,Crown Molding,Dry Wall
  • Door features: Insulated,Six Panel,French Doors,Sliding Glass,Storm Door(s)
  • Window features: Double Pane Windows,Insulated Windows,Vinyl Clad
  • Flooring: Luxury Vinyl,Wood,Ceramic Tile,Carpet
  • Finished area below ground: 500
  • Finished area above ground: 1,310

Foyer

  • Level: Main

Heating & Cooling

  • Heating features: Forced Air,Heat Pump,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,965
  • Total interior livable area: 1,810 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Lower

Living Room

  • Level: Main

Storage Room

  • Level: Lower

Workshop

  • Level: Lower

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1303209326
  • Zoning: R2
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Deck,Patio,Porch
  • Exterior features: Lighting,Sidewalks
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 4,005 sqft
  • Features: Backs to Trees,Cul-De-Sac,Front Yard,Landscaped,Rear Yard

Parking

  • Parking features: Unassigned,Parking Lot

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Inland Flooding
Lightning
Winter Weather
Cold Wave
Strong Wind
Tsunami

FEMA Declared Disasters Across Maryland Counties

Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,820$21,840
Home Insurance *$101$1,212
Property Taxes $326$3,912
Electricity $281$3,374
Total$2,528$30,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,674/yr
40% on housing$75,840/yr
45% on housing$67,413/yr

Maryland FAIR Plan Programs

Maryland Joint Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 678Commercial: 44
Total Premiums$854,000
Total Exposure$326.56M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.0%
9.0%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -2.3%
-2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$199This listing

vs Other Active Listings

Avg $/sqft

ZIP 21015$194
Harford County$169

vs Homes Sold Last Month

Median $/sqft

ZIP 21015$223
Harford County$207

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-08Price change$350,000
2026-08-01Listed for sale$360,000
2026-07-24Pending sale$360,000
2026-07-08Listed for sale$360,000
2021-10-22Sold$235,000
2016-06-02Listing removed$1,525
2015-01-13Listing removed$1,575
2014-12-07Price change$1,575
2014-11-24Listed for rent$1,675
2012-06-27Listing removed$1,675
2012-06-01Price change$1,675
2012-05-20Listed for rent$1,775
2011-10-05Listing removed$1,750
2011-09-08Listed for rent$1,750
2011-08-25Listing removed$218,800
2011-06-28Price change$218,800
2011-06-04Listed for sale$221,900
2006-08-07Sold$243,000
2001-02-15Sold$111,000
1999-12-15Sold$115,000

For Sale by Agent

AgentKim Taylor
BrokerageAmerican Premier Realty, LLC

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